Check the bill against what your plan actually said you owe.
Your provider sends a bill. Your insurer sends an Explanation of Benefits. They are supposed to agree. Send us both and we compare them line by line.
| Service | Billed | Allowed | Plan paid | You owe |
|---|---|---|---|---|
| Office visit, established patient | $250.00 | $120.00 | $70.00 | $50.00 |
| Chemotherapy infusion — 3 units billed, 1 adjudicated | $450.00 | $150.00 | $150.00 | $0.00 |
| Venipuncture | $25.00 | $12.00 | $12.00 | $0.00 |
| Laboratory — billed twice, same date | $43.00 | $30.71 | $30.71 | $0.00 |
An example, not a real patient. The figures are the ones these two documents routinely disagree about: units billed against units adjudicated, and the same service appearing twice.
How it works
Three steps, and the first two are free
Send both documents
A photo or a PDF of each. The bill is required. The Explanation of Benefits is what makes the comparison possible — without it we can still look, but we catch far less.
See what we found, free
How many discrepancies, and roughly how much money they involve. You decide from there whether it is worth going further.
Get the letter and the script
A dispute letter citing the specific lines and the law where it applies, and a phone script including what to say when they push back.
Common questions
What usually goes wrong
- Your bill is higher than your EOB says you owe The most common mismatch, and the first thing to ask about.
- A bill arrived before the Explanation of Benefits Why it is usually worth waiting for the EOB before paying.
- Your plan denied a charge and the provider billed you anyway What the denial code on the EOB says about who owes it.
- The same service charged twice How to tell a real duplicate from a service that genuinely repeated.
- Emergency care and the No Surprises Act What federal law says about out-of-network emergency bills.
- A bill with no itemized detail How to get the line-by-line bill you are entitled to see.
Free tool: write a letter asking for an itemized bill. How the check works, rule by rule: our methodology. All guides →
Pricing
Cheap on purpose
The check is free. The details of each finding, a dispute letter and a phone script cost $10 per bill, charged once. A second opinion on a bill should cost less than the bill.
- Full line-by-line comparison
- How many findings
- Roughly how much is involved
- Every finding, in detail
- The dispute letter
- The phone script
- Case kept 30 days
If we find nothing, you pay nothing. We will not ask you to unlock a result that has nothing in it. That is not a promotion, it is how the product works.
Connect
Built to work inside Muse and Claude
You will not have to wait for a directory listing. Muse can build a connector to any public API on request, so this is the whole setup:
Connect to the MedBillAnalyzer API at https://medbillanalyzer.com/openapi.json so you can check my medical bills.
Then, whenever a bill turns up: “Check this medical bill against my EOB.”
Live. The seven operations answer at https://app.medbillanalyzer.com, and the machine-readable description is generated from the code that serves them. The API page has the shape and the gotchas.
In Claude, too. Add MedBillAnalyzer as a custom connector, then attach a bill and your Explanation of Benefits and ask Claude to check them. How to connect it to Claude →
And in Grok. The same connector works in Grok, at its own address. How to connect it to Grok →
Honestly
What this does not do
- It does not accuse anyone. It reports where two documents disagree and gives you questions to ask. A difference often has a perfectly ordinary explanation.
- It is not legal advice. The letter is a template you send in your own name. We do not represent you and we do not negotiate for you.
- It does not judge your care. Whether treatment was necessary or clinically coded correctly is not something we look at.
- It does not guess. When a document is unclear, we say so instead of inventing a finding. A confident wrong answer would cost you more than a missed one.
- It will not flag your deductible. An unmet deductible looks exactly like a denial from the outside — the plan paid nothing, you owe everything. One of those is the plan working correctly, and we can tell them apart.
Your documents
We don’t keep your documents
They are read once, in the request that uploads them, and never written to disk or to a database. What we keep is the result — the figures read off the page and the findings — encrypted, and deleted 30 days after the check. The company whose model reads the page may hold what we send for a limited period under its standard terms, and does not train on it.
Never used to train AI models — not ours, not anyone’s. Never sold, never shared for advertising, never sent to your insurer, provider or employer.
We do not ask for your Social Security number, your full date of birth, or your member ID, and there is nowhere in the system to put them if you sent them.